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Recommended

Silver Business Checking Package

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Key features:

  • Up to 5% cash back2 on two categories you choose3
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center3
  • 2% cash back on one everyday category
  • 1% cash back on all other eligible purchases
  • 0% intro APR4 on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR, currently $
  • No annual fee
Apply now Learn more

RECOMENDATION

BUSINESS Essentials Checking Package

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Key features:

  • 4X points on dining, takeout and restaurant delivery6
  • 2X points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations
  • 1X point on all other eligible purchases
  • $15 credit for annual streaming service purchases7
  • 0% intro APR8on purchases and balance transfers for the first 12 billing cycles. After that the APR is variable, currently $.
  • No annual fee
Apply now Learn more
Start of disclosure content

Disclosures

U.S. Bank may change APRs, fees and other account terms in the future based on your experience with U.S. Bank National Association and its affiliates as provided under the Cardmember Agreement and applicable law.

Account must be open and in good standing (not past due or overlimit) on the closing date of the billing cycle to earn and redeem rewards and benefits. Subject to applicable law, you may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Upon approval, please refer to your Cardmember Agreement or Rewards Program Rules in the online Rewards Center by logging into usbank.com for additional information.

Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. A purchase will not earn additional rewards if the merchant's selected code is in a category that is not eligible for additional rewards earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional rewards.

The creditor and issuer of these cards is U.S. Bank National Association, pursuant to separate licenses from Visa U.S.A. Inc., or American Express, and the card is available to United States residents only. American Express is a federally registered service mark of American Express.

Start of disclosure content

  1. One-time $200 bonus will be awarded for redemption when you are approved for a new U.S. Bank Cash+® Visa Signature® Card and after eligible net purchases totaling $1,000 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance. Existing and previous Cash Rewards accounts do not qualify for this one-time bonus. One-time bonus cash does not apply toward account upgrades. This offer may not be combined with any other bonus offer. Offer is subject to credit approval.

  2. Maximum Cash Rewards value applies to Cash Rewards redeemed for a statement credit or deposit into an eligible U.S. Bank Account. The redemption value may be different if you choose to redeem your Cash Rewards for other gift cards, Real-Time Rewards and other rewards options. Other restrictions apply. Establishment or ownership of a U.S. Bank Account or other relationship with U.S. Bank is not required to obtain a card or to be eligible to use Cash Rewards to obtain any rewards offered under the program. Minimum redemption amounts may vary and are subject to change without notice. Cash rewards will expire at the end of the calendar month 36 months after the billing cycle in which they were earned.

  3. Cardmember must enroll each quarter into categories of their choice, or all net purchases will earn no more than 1% cash back. You will earn 5% cash back on your first $2,000 in combined net purchases (purchases minus returns or credits) in your two chosen 5% categories and 2% cash back in your chosen 2% category. Purchases over $2,000 in the 5% categories will earn 1% cash back. IMPORTANT CHANGE: Effective April 14, 2025, grocery store and supermarket purchases at discount stores/supercenters such as Target and Walmart and wholesale clubs will only earn 1% cash back. Gas station and electric vehicle charging station purchases at discount stores/supercenters, wholesale clubs and grocery stores/supermarkets will only earn 1% cash back. There are no limits on your 2% or 1% cash back earnings. In addition to earning 1% cash back for every $1 in eligible Net Purchases, Cash+ Cardmembers will earn an additional 4% cash back for every $1 in eligible Net Purchases spent on prepaid air, car and hotel reservations in the travel center using your Cash+ Card. Please allow 1-2 statement billing cycles for your bonus cash back to appear on your credit card statement. Refer to the Rewards Center for full details.

  4. The 0% introductory APR applies to purchases and is valid for the first 15 billing cycles. The 0% introductory APR applies to balance transfers made within 60 days of account opening and is valid for the first 15 billing cycles. The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.

  5. One-time 20,000 bonus Points will be awarded if you are approved for a new U.S. Bank Altitude Go Visa Signature Card and make $1,000 or more in total eligible Net Purchases to your Account within 90 days of Account opening. Please allow 1-2 billing cycles for your bonus Points to be credited to your Account. Existing or previous U.S. Bank Altitude Go Visa Signature cardmembers are not eligible if you have received a new account bonus for this product in the last five years. Use of the Card is subject to terms and conditions of the U.S. Bank Altitude Go Visa Signature Cardmember Agreement, which is provided at Account opening and may be amended from time to time. This offer may not be combined with any other bonus offer.

  6. U.S. Bank Altitude Go Visa Signature Cardmembers will earn 1 Point for every $1 in Net Purchases. Net Purchases are Purchases minus credits and returns. You will earn 3 Bonus Points (4 Points total) for every $1 on restaurant, fast-food restaurant and bar purchases. IMPORTANT CHANGE: Effective April 14, 2025, you will earn 3 Bonus Points (4 Points total) for every $1 on your first $2,000 each quarter on restaurant, fast-food restaurant and bar purchases. You will earn 1 Bonus Point (2 Points total) for every $1 on purchases in the following categories: grocery store and supermarket (excluding wholesale clubs and discount stores/supercenters such as Target and Walmart); gas station and electric vehicle charging station (excluding wholesale clubs, discount stores/supercenters and grocery stores/supermarkets) and qualifying streaming subscription services. Refer to Program Rules or usbank.com/AltitudeGoBenefits for official list of qualifying streaming services merchants. Please allow 1-2 statement billing cycles for your bonus Points to appear on your credit card statement. IMPORTANT CHANGE: Effective April 14, 2025, any new Points will expire if there is no reward, purchase, or balance activity on your account for 12 consecutive statement cycles. Points earned prior to April 14, 2025 will not be affected

  7. An automatic statement credit of $15 per 12-month period will be applied to your U.S. Bank Altitude Go Visa Signature Card Account within 2 statement billing cycles following 11 consecutive calendar months of eligible streaming service purchases, such as Netflix, Hulu, Apple Music, if the Account is in good standing (not past due or overlimit). Refer to Program Rules or usbank.com/AltitudeGoBenefits for official list of qualifying streaming services merchants. We reserve the right to adjust or reverse any portion or all of any streaming services credit for unauthorized purchases or transaction credits.

  8. The 0% introductory APR applies to Purchases and is valid for the first 12 billing cycles. The 0% introductory APR applies to Balance Transfers made within 60 days of account opening and is valid for the first 12 billing cycles. The introductory rate does not apply to Cash Advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. When you make a payment, the amount up to your Minimum Payment is applied first to the monthly payment obligation for U.S. Bank ExtendPay® Plans and U.S. Bank ExtendPay® Loans if any, and then to non-Fixed Payment Program balances in the order of the lowest to highest APR. Any amount over your Minimum Payment is applied to balances in the order of highest to lowest APR.